--- title: "Blogs - Sapience Financial" description: "Our Financial Blog is for people who want to grow and remain wealthy. While the journey toward wealth is clearly marked, you do have to be looking in the right direction." url: "https://mail.sapience.com.au/blog?start=54" date: "2026-06-15T18:00:38+00:00" language: "en-GB" --- # Blog ### Welcome to our Personal Finance Blog ![Pic of Senior Advisor Drew Browne](https://mail.sapience.com.au/images/author-pic/ceo-drew-browne-round.png) Money bewilders most of us. How to spend it, save it, invest it, and how to best protect the person who makes it. These questions we all face daily — a puzzle we all attempt to understand and solve just about every day. Yet despite money's centrality to our lives and businesses, it's something we all grapple with, and mostly in private. - Money is the 'Lord Voldemort' of topics — feared by most and mentioned by a few. It's oddly uncomfortable to discuss socially and rarely even with our partners, parents, and children. Perhaps that's because managing our money and life's risks inevitably involves the fusion of both the emotional and practical aspects of our decision-making processes. **The most difficult of questions are those with both economic and emotional answers**. At Sapience, we're all about **The How**. Our educational **Personal Finance Blog** is for people who want to grow and remain wealthy. And while the journey toward wealth is clearly marked, you still have to be looking in the right direction. ### Explore Our Blog by Speciality Select a speciality below to view our curated specialist insights and practical strategies. [🧠 Evolutionary Finance](https://mail.sapience.com.au/insights/evolutionary-finance) [🌳 Family, Legacy & Aging](https://mail.sapience.com.au/insights/family-legacy-aging) [⚖️ Estate Law & Succession Planning](https://mail.sapience.com.au/insights/estate-law-succession) [🛡️ Specialist Risk & Insurance](https://mail.sapience.com.au/insights/specialist-risk-insurance) [🤝 Small Business Risk & Partnership](https://mail.sapience.com.au/insights/small-business-risk-partnership) [🌍 Social Leadership & Conscious Business](https://mail.sapience.com.au/insights/social-leadership-conscious-business) [🏠 Wealth Builders & Home Finance](https://mail.sapience.com.au/insights/wealth-builders-home-finance) [📰 Sapience General Archive](https://mail.sapience.com.au/insights/sapience-general-archive) ![Not made by AI sapience financial](https://mail.sapience.com.au/images/icons/not-made-by-AI-sapience-financial-black.png) --- [ ![professional women feeling the strain of higher education HECS debt uncertainty](https://mail.sapience.com.au/images/blog/intro-what-happens-to-my-hecs-help-debt-if-i-die-sapience-financial.jpg) ](https://mail.sapience.com.au/blog/what-happens-to-my-government-hecs-or-help-debt-when-i-die "What happens to my government HECS or HELP Debt when I die?") ## [ What happens to my government HECS or HELP Debt when I die? ](https://mail.sapience.com.au/blog/what-happens-to-my-government-hecs-or-help-debt-when-i-die) --- ### Managing the burden of student loans If you’ve ever been a student striving for higher education in Australia, it won't take long before the terms 'HECS loan' or 'HELP loan' are likely to come up in conversation about ways to pay education tuition fees. Close by are the questions about, 'Should I make voluntary repayments to my outstanding HECS-HELP debt,' and even 'What happens to my HECS-HELP debt if I die? - [ refinancing a mortgage ](https://mail.sapience.com.au/all-tags/refinancing-a-mortgage) - [ modern estate planning ](https://mail.sapience.com.au/all-tags/modern-estate-planning) - [ student debt ](https://mail.sapience.com.au/all-tags/student-debt) - [ ⚖️ Estate Law & Succession Planning ](https://mail.sapience.com.au/insights/estate-law-succession) [ Read more … ](https://mail.sapience.com.au/blog/what-happens-to-my-government-hecs-or-help-debt-when-i-die) [ ![three generations of happy men playing video games together](https://mail.sapience.com.au/images/blog/intro-plan-on-leaving-a-meaningful-inheritance-not-a-nightmare-sapience-financial.jpg) ](https://mail.sapience.com.au/blog/plan-on-leaving-a-meaningful-inheritance-not-a-nightmare "Plan on leaving a meaningful inheritance, not a nightmare") ## [ Plan on leaving a meaningful inheritance, not a nightmare ](https://mail.sapience.com.au/blog/plan-on-leaving-a-meaningful-inheritance-not-a-nightmare) --- ### Plan on leaving something to your kids when you pass away? Each year as we review the Google web traffic to our site, we regularly see in our top 10 most-read articles our blog article called, '[How to Split an Unsplittable Inheritance](https://mail.sapience.com.au/index.php?option=com_content&view=article&id=582:how-to-split-an-unsplittable-inheritance&catid=83:blog&Itemid=734)'. Clearly, there's a lot of interest in this ongoing question, particularly now as most families in Australia own property or business assets - all different assets with different values – and these are by nature usually often hard to divide equally between beneficiaries to a Will, without destroying the value of those separate assets. - [ estate planning for company directors ](https://mail.sapience.com.au/all-tags/estate-planning-for-company-directors) - [ inheritance management ](https://mail.sapience.com.au/all-tags/inheritance-management) - [ modern estate planning ](https://mail.sapience.com.au/all-tags/modern-estate-planning) - [ Protective Wills ](https://mail.sapience.com.au/all-tags/protective-wills) - [ Mutual Wills ](https://mail.sapience.com.au/all-tags/mutual-wills) - [ step families ](https://mail.sapience.com.au/all-tags/step-families) - [ estate equalisation ](https://mail.sapience.com.au/all-tags/estate-equalisation) - [ ⚖️ Estate Law & Succession Planning ](https://mail.sapience.com.au/insights/estate-law-succession) [ Read more … ](https://mail.sapience.com.au/blog/plan-on-leaving-a-meaningful-inheritance-not-a-nightmare) [ ![iconic Aussie Pavlova Yum!](https://mail.sapience.com.au/images/blog/intro-christmas-trivia-2023-sapience-financial.jpg) ](https://mail.sapience.com.au/blog/christmas-trivia-2023 "Test your Christmas Trivia Skills in 2023!") ## [ Test your Christmas Trivia Skills in 2023! ](https://mail.sapience.com.au/blog/christmas-trivia-2023) --- ### Christmas Trivia Cheat Sheet 2023 (optimised for discrete reading on your mobile device during a Christmas Trivia Battle!) It's beginning to look a lot like that time of year when you're sometimes stuck for conversation starters and trivia answers at the Christmas BBQ with family and friends. ### Here's 31 of the Best Christmas Trivia questions and answers to have up your sleeve for 2023. - [ fun stuff ](https://mail.sapience.com.au/all-tags/fun-stuff) - [ 📰 Sapience General Archive ](https://mail.sapience.com.au/insights/sapience-general-archive) [ Read more … ](https://mail.sapience.com.au/blog/christmas-trivia-2023) [ ![a shocked SMSF Auditor looking at her email](https://mail.sapience.com.au/images/blog/intro-challenges-mount-for-SMSF-Auditors-A-Tough-Year-Turns-Tougher-Ahead-sapience-financial.jpg) ](https://mail.sapience.com.au/blog/challenges-mount-for-smsf-auditors-a-tough-year-turns-tougher-ahead "Challenges mount for SMSF Auditors: A Tough Year Turns Tougher Ahead") ## [ Challenges mount for SMSF Auditors: A Tough Year Turns Tougher Ahead ](https://mail.sapience.com.au/blog/challenges-mount-for-smsf-auditors-a-tough-year-turns-tougher-ahead) --- ### It is a tough year for SMSF Auditors (and it is only going to get tougher) And like all big legislative changes, as we see the compliance workload increase, so will the associated costs to audit and advise an SMSF increase too. Two recent legal cases, **Cam & Bear** and **Ryan Wealth Holdings**, not only highlight the growing risks to SMSF Auditors, they're also warnings to professional advisers, planners, accountants and lawyers. - [ SMSF ](https://mail.sapience.com.au/smsf) - [ SMSF liquidity ](https://mail.sapience.com.au/smsf-liquidity) - [ SMSF audit ](https://mail.sapience.com.au/all-tags/smsf-audit) - [ SMSF investment strategy ](https://mail.sapience.com.au/all-tags/smsf-investment-strategy) - [ 📰 Sapience General Archive ](https://mail.sapience.com.au/insights/sapience-general-archive) [ Read more … ](https://mail.sapience.com.au/blog/challenges-mount-for-smsf-auditors-a-tough-year-turns-tougher-ahead) [ ![young man wearing an adhesive continuous glucose monitor (CGM) sensor to manage his insulin needs](https://mail.sapience.com.au/images/blog/intro-everyone-needs-to-know-more-about-diabetes-sapience-financial.jpg) ](https://mail.sapience.com.au/blog/everyone-needs-to-know-more-about-diabetes "Everyone needs to know more about Diabetes") ## [ Everyone needs to know more about Diabetes ](https://mail.sapience.com.au/blog/everyone-needs-to-know-more-about-diabetes) --- ### The Diabetes Dilemma Did you know the fastest growing chronic health condition in Australia, can be prevented? November 14 is World Diabetes Day and we believe that everyone needs to better understand this growing health condition. - [ family health & safety ](https://mail.sapience.com.au/all-tags/family-health-safety) - [ diabetes ](https://mail.sapience.com.au/all-tags/diabetes) - [ 🛡️ Specialist Risk & Insurance ](https://mail.sapience.com.au/insights/specialist-risk-insurance) [ Read more … ](https://mail.sapience.com.au/blog/everyone-needs-to-know-more-about-diabetes) [ ![jack russell dog sitting on welcome mat at the front door](https://mail.sapience.com.au/images/blog/intro-save-your-first-home-deposit-faster-with-the-first-home-super-saver-scheme.jpg) ](https://mail.sapience.com.au/blog/save-your-first-home-deposit-faster-with-the-first-home-super-saver-scheme "Save your First Home Deposit Faster with the First Home Super Saver Scheme (FHSS)") ## [ Save your First Home Deposit Faster with the First Home Super Saver Scheme (FHSS) ](https://mail.sapience.com.au/blog/save-your-first-home-deposit-faster-with-the-first-home-super-saver-scheme) --- ### Want to save for your first home? Struggling to resist the urge to dip into your savings meant for that elusive first home deposit? You're not alone! Many aspiring Australian homeowners face this dilemma; but fear not, there's a little-known government initiative called the First Home Super Saver (FHSS) scheme that could be your saving grace. Let's dive into the fundamentals of how this scheme works and how it might help you secure your first home deposit, faster. - [ savings decisions ](https://mail.sapience.com.au/all-tags/savings-decisions) - [ first home super saver scheme (FHSS) ](https://mail.sapience.com.au/all-tags/first-home-super-saver-scheme-fhss) - [ saving a deposit ](https://mail.sapience.com.au/all-tags/saving-a-deposit) - [ 🏠 Wealth Builders & Home Finance ](https://mail.sapience.com.au/insights/wealth-builders-home-finance) [ Read more … ](https://mail.sapience.com.au/blog/save-your-first-home-deposit-faster-with-the-first-home-super-saver-scheme) 1. [ Getting control of SMSF Liquidity Risk](https://mail.sapience.com.au/blog/getting-control-of-smsf-liquidity-risk) 2. [ Hot Chips, Seagulls, Relatives and the Tax Office](https://mail.sapience.com.au/blog/hot-chips-seagulls-relatives-and-the-tax-office) 3. [ Only Owning Half the Business Pie](https://mail.sapience.com.au/blog/only-owning-half-the-business-pie) 4. [ Six Questions to ask yourself before you buy Crypto](https://mail.sapience.com.au/blog/six-questions-to-ask-yourself-before-you-buy-crypto) 5. [ Planning for Future School Fees (and adult education)](https://mail.sapience.com.au/blog/planning-for-future-school-fees) 6. [ Newly diagnosed with diabetes and needing to get your Income Protection in place?](https://mail.sapience.com.au/blog/newly-diagnosed-with-diabetes-and-needing-to-get-your-income-protection-in-place) 7. [ Why wealthy people still use Life Insurances](https://mail.sapience.com.au/blog/why-wealthy-people-still-use-life-insurances) ### [ Modern Small Business Leadership](https://mail.sapience.com.au/blog/modern-small-business) Page 10 of 49 ## Schema ```json { "@context": "https://schema.org", "@type": "BreadcrumbList", "itemListElement": [ { "@type": "ListItem", "position": 1, "name": "Home |", "item": "https://mail.sapience.com.au" }, { "@type": "ListItem", "position": 2, "name": "Blogs", "item": "https://mail.sapience.com.au/blog" } ] } ```